For Corporates
Flexible, Shariah-Compliant Financing for Growth
Credx provides fast, asset-backed financing designed for the real operating needs of Saudi SMEs and corporates.
We help businesses unlock liquidity, stabilize working capital, and scale operations — without dilution or long bank processes.
Our Financing Solutions
Receivables
Financing
Financing
Receivables Financing provides businesses with immediate liquidity by converting future customer payments into upfront working capital.
Credx offers a comprehensive range of Shariah-compliant receivables financing solutions covering both individual invoices and entire receivables portfolios, allowing companies to optimize their cash flow without taking on conventional debt.
Our solutions
- Invoice-by-invoice financing: Fast access to liquidity tied to specific eligible invoices.
- Receivables portfolio monetization: Bulk financing of entire receivables books, enabling scalable, recurring liquidity based on verified receivable performance.
- Anchor-backed programs: Structured programs for suppliers tied to major corporate anchors.
Benefits
- Stabilizes working capital and accelerates cash conversion cycles
- Supports sales growth without balance-sheet strain
- Reduces concentration and collection timing risk
- Fully Shariah-compliant structures
Receivables financing is ideal for businesses with consistent B2B sales cycles, extended payment terms, or growing order volumes.
Payables
Financing
Financing
Payables Financing enables businesses to extend their payment terms while ensuring their suppliers receive early payment.
In this structure, Credx pays your suppliers immediately, while your company settles the amount with Credx at a later, pre-agreed date — all through a Shariah-compliant reverse factoring framework.
Credx partners directly with both the buyer and supplier to create scalable working-capital programs aligned with procurement cycles, seasonal demand, and cash-flow timing.
This solution strengthens supply chains by:
- Providing suppliers with instant liquidity
- Allowing buyers to optimize Days Payable Outstanding (DPO)
- Supporting better pricing and supplier relationships
- Reducing operational disruptions caused by payment delays
Trade
Finance
Finance
Credx’s Trade Finance solutions support every stage of your import, export, and cross-border purchasing requirements.
Designed for companies involved in trading, manufacturing, distribution, or international procurement, our trade facilities provide Shariah-compliant financing across pre-shipment and post-shipment needs.
Capabilities
- Purchase Order Finance: Funding production or sourcing costs tied to confirmed POs.
- Import & Supplier Payments: Settlement of local or international supplier invoices, enabling faster procurement.
- Pre-export finance: Financing raw materials or goods intended for export.
- Commodity Murabaha structures: For working capital aligned with Islamic financing requirements.
- Supply chain finance: Integrated support across supplier and distributor flows.
Benefits
- Increases purchasing power without upfront capital
- Reduces supply-chain disruptions
- Improves ability to accept larger orders
- Enhances competitive position with global suppliers
Trade Finance is designed to help businesses grow beyond cash constraints while maintaining Shariah compliance across all flows.
Inventory
Finance
Finance
Inventory Finance allows businesses to obtain funding against raw materials, finished goods, or in-transit stock — enabling them to scale operations without tying up cash in working capital.
Our Shariah-compliant inventory financing solutions include:
- Title-based financing: Credx purchases inventory and makes it available to the corporate via agency agreements.
- Warehouse and in-transit financing: Funding tied to goods in bonded warehouses, ports, or controlled logistics environments.
- Revolving inventory facilities: Scalable funding that grows as inventory cycles increase.
Benefits
- Supports larger procurement and production runs
- Improves cash conversion cycles
- Reduces need for equity-funded working capital
- Strengthens inventory reliability during growth phases
Ideal for trading companies, retailers, manufacturers, and businesses with seasonal or volume-driven inventory needs.
Term
Finance
Finance
Term Finance provides medium-term, Shariah-compliant funding for corporate expansion, asset purchases, capital improvements, or structured business needs.
Our Shariah-compliant inventory financing solutions include:
- Capital expenditure and equipment financing
- Growth financing for new projects or markets
- Refinancing of existing short-term obligations
- Contract-backed term facilities
- Structured working capital
Benefits
- Longer repayment horizons
- Predictable cash-flow planning
- Shariah-compliant structures tailored to asset or contract needs
- Suitable for mid-market corporates looking to scale sustainably
Term Finance fills the gap between short-term working capital and long-duration bank loans, providing corporates with flexible, institutionally structured credit.
Why Corporates
Choose Credx
Easy
Onboarding
Fast
Decisions
Flexible
Structures
Shariah-
Compliant
Transparent
Pricing
Real-time Monitoring
Scalable
Facilities
Dedicated
Support
How We Work
With Corporates
A clear, technology-enabled process designed for speed, transparency, and Shariah-compliant execution.
Digital Submission & Initial Screening
Businesses submit financials, company documents, and basic requirements through our secure digital onboarding platform.
Our system validates data, reviews trading history, and performs preliminary credit checks.
Credit Assessment & Facility Design
Our credit team conducts a rapid, in-depth review of financial performance, cash-flow cycles, customer/supplier concentration, and collateral availability.
We structure the most suitable financing solution, receivables, payables, inventory, trade, or term finance, aligned with your operational needs.
Transparent Terms & Shariah Approval
We issue clear, competitive terms outlining facility size, pricing, tenor, and usage criteria.
Fast Funding & Transaction Execution
Once terms are accepted, funding is made available through Shariah-compliant mechanisms such as Murabaha or Wakala.
Corporates receive liquidity against eligible invoices, inventory, purchase orders, or approved structures.
Real-Time Monitoring & Ongoing Support
Our platform provides continuous visibility into outstanding balances, repayments, availability limits, and utilization.
We monitor portfolio performance, update facility limits as the business grows, and support renewals or expansions based on evolving needs.
Recurring Access to Capital
As invoices are paid, inventory cycles turn, or POs complete, the facility automatically replenishes — ensuring recurring access to working capital without repeated long credit processes.
Case Studies
Contact Us
Office Location
-
SP02, Al-Faisaliah Tower,
King Fahd Road, Al Olaya,
Riyadh, KSA 3019
Contact
- info@credx.com